Mortgage Lenders and Brokers in Niota, Tennessee
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Niota, Tennessee mortgage lenders include Old National BankOld National Bank106 Washington Ave, Athens, TN 37303A+5.0 ★Texas Ratio: 4.98%, Simmons BankSimmons Bank5810 Airline Rd, Arlington, TN 38002A+5.0 ★Texas Ratio: 5.33%, SouthEast BankSouthEast Bank1878 Congress Pkwy S, Athens, TN 37303A+5.0 ★Texas Ratio: 0.98%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, Ornl Federal Credit UnionOrnl Federal Credit Union103 Hamilton Crossing Dr, Alcoa, TN 37701, First Horizon BankFirst Horizon Bank112 S Hall Rd, Alcoa, TN 37701A+5.0 ★Texas Ratio: 5.76%, Home Federal Bank of TennesseeHome Federal Bank of Tennessee7502 Tazewell Pike, Corryton, TN 37721A5.0 ★Texas Ratio: 12.75%, United Community BankUnited Community Bank1087 Hunters Xing, Alcoa, TN 37701A+5.0 ★Texas Ratio: 2.97%, Bowater Employees Credit UnionBowater Employees Credit Union1112 Congress Pkwy S, Athens, TN 37303 2404A+5.0 ★Texas Ratio: 4.53%, and Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit Union1113 Hunters Xing, Alcoa, TN 37701 1852A+5.0 ★Texas Ratio: 2.34%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Niota, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Niota are listed first, then lenders elsewhere in Tennessee, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Niota, Tennessee
Market share is the lender's share of all home loans closed in Niota, Tennessee. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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106 Washington Ave, Athens, TN 37303 A+5.0 ★Texas Ratio: 4.98% |
Conventional, FHA, HELOC | 4 +9 HELOCs |
2.8% | 100% | $267,500 | View |
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5810 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.33% |
Conventional, USDA, HELOC | 4 +1 HELOCs |
2.8% | 100% | $185,000 | View |
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1878 Congress Pkwy S, Athens, TN 37303 A+5.0 ★Texas Ratio: 0.98% |
Conventional, HELOC | 3 +3 HELOCs |
2.1% | 100% | $201,666 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 3 +2 HELOCs |
2.1% | 60% | $115,000 | View |
Ornl Federal Credit Union
103 Hamilton Crossing Dr, Alcoa, TN 37701 |
Conventional, HELOC | 2 +1 HELOCs |
1.4% | 100% | $175,000 | |
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★ 5 stars, 1 review 112 S Hall Rd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $385,000 | View |
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7502 Tazewell Pike, Corryton, TN 37721 A5.0 ★Texas Ratio: 12.75% |
Conventional | 1 | 0.7% | 100% | $485,000 | View |
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1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.7% | 100% | $545,000 | View |
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1112 Congress Pkwy S, Athens, TN 37303 2404 A+5.0 ★Texas Ratio: 4.53% |
Conventional | 1 | 0.7% | 100% | $405,000 | View |
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1113 Hunters Xing, Alcoa, TN 37701 1852 A+5.0 ★Texas Ratio: 2.34% |
Conventional | 1 | 0.7% | 100% | $65,000 | View |
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★ 1.7 stars, 3 reviews 4216 Century Farms Ter, Antioch, TN 37013 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.7% | 100% | $275,000 | View |
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★ 1 stars, 1 review 9005 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.7% | 100% | $115,000 | View |
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109 Associates Blvd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 1.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Investors Group
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Conventional, FHA | 5 | 3.5% | 83.3% | $239,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.4% | 23.1% | $180,000 | |
Tennessee Valley Federal C U
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $205,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 48 | 34% | 98% | $239,791 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 11 | 7.8% | 91.7% | $276,818 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 8 | 5.7% | 60% | $266,250 | View |
American Financial Resources LLC
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Conventional, FHA | 4 | 2.8% | 100% | $197,500 | |
Mortgage Research Center
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VA | 4 | 2.8% | 100% | $300,000 | |
Freedom Mortgage Corporation
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VA | 3 | 2.1% | 50% | $328,333 | |
Pennymac Loan Services LLC
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FHA | 3 | 2.1% | 75% | $228,333 | |
loanDepot.com LLC
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FHA | 2 | 1.4% | 66.7% | $170,000 | |
Movement Mortgage, LLC
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Conventional, USDA | 2 | 1.4% | 50% | $205,000 | |
First Colony Mortgage Corporat
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Conventional, FHA | 2 | 1.4% | 100% | $255,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 2 | 1.4% | 100% | $245,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.4% | 100% | $150,000 | |
Leaderone Financial Corp.
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Conventional, VA | 2 | 1.4% | 100% | $260,000 | |
Cadence Bank
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Conventional | 1 | 0.7% | 100% | $175,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.7% | 50% | $275,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $365,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.7% | 100% | $245,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $205,000 | |
Filo Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $305,000 | |
Amerisave Mortgage Company
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VA | 1 | 0.7% | 16.7% | $315,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.7% | 100% | $235,000 | |
Cmg Mortgage Inc
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VA | 1 | 0.7% | 100% | $635,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
Mortgage Solutions of Colorado
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FHA | 1 | 0.7% | 100% | $105,000 | |
New American Funding, LLC.
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VA | 1 | 0.7% | 100% | $455,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.7% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.7% | 100% | $125,000 | View |
First Federal Community Bank
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Conventional | 1 | 0.7% | 100% | $155,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.7% | 50% | $75,000 | |
Village Capital & Investment
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FHA | 1 | 0.7% | 50% | $195,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
First Citizens National Bank
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HELOC | 0 +1 HELOCs |
0% | 100% |
Niota Mortgage Rate Trends
Daily average mortgage rates for Tennessee compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Niota, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Niota? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Niota in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Niota, TN
Use these to narrow the list above. Each category shows how many Niota, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Niota, TN
Independent mortgage companies closed 79.4 percent of home loans in Niota, Tennessee in 2025, banks 16.3 percent and credit unions 4.3 percent. Mortgage Investors Group was the largest mortgage company, Old National Bank the largest bank and Ornl Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, SouthEast Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Tennessee. State realty transfer tax of $0.37 per $100 of consideration (0.37 percent) plus a mortgage recordation tax of $0.115 per $100 of indebtedness above the first $2,000 (Tenn. Code 67-4-409).
More Tennessee Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Niota, TN
By home loans closed in 2025, Old National Bank was the largest mortgage lender in Niota, Tennessee with 4 loans, about 2.8 percent of the market. The largest lender headquartered in Tennessee was SouthEast Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Niota, Tennessee in 2025, led by DHI Mortgage Company, LTD. with 10. 10 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 3 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 15 banks and 5 credit unions closed home loans in Niota, Tennessee in 2025, alongside 28 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Niota, Tennessee during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Niota, Tennessee for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Niota. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
